Ukuhlaziya iFayili yakho
Isinyathelo sokuqala kukuhlaziya ifayile yakho yomshuwalense. Ifayile ifanele iqulethe iikopi zazo zonke iinkqubo ze-inshorensi yakho ukuze zifumaneke ngokukhawuleza xa uzifunayo.
Ufanele kwakhona ugcine iikopi zamabango ebango. Uzakufuna ifom yebango ehlukeneyo kwinkqubo nganye yomgaqo-nkqubo. Qinisekisa ukuba ugcina ifayile ye-inshurensi ephindwe kwiindawo ezingekho kwindawo, njengebhokisi lokukhupha ekhuselekileyo kwibhankini yakho. Oku kuya kuqinisekisa ukuba unokufikelela kwimigaqo-nkqubo yakho kunye nefom yebango ukuba ifayile yakho yasekuqaleni ichithwa ngumlilo okanye enye ingozi.
Hlaziya iiShedyuli zakho ze-Auto and Equipment
Ukuphonononga ishedyuli yeenqwelo ezivuthwayo okanye uomatshini kwi-auto auto, impahla okanye ipropati. Ingaba ishishini lakho lisezo zonke izithuthi okanye izixhobo ezibhaliweyo? Ngaba inkampani yakho ithenge naziphi na izinto ezingabhalwanga kumgaqo-nkqubo? Buza i- arhente okanye umthengisi wakho, okanye umgcini-mali wakho ukwenza nayiphi na inguqu efunekayo.
Kufuneka kwakhona ubuyekeze uluhlu lwezithuthi eziqinisekisiweyo okanye ukudibanisa phantsi komgaqo-nkqubo wakho wendlela. Ukulahleka komonakalo okwenziwe ngokwasemzimbeni kubaluleka ngokusekelwe kwixabiso langempela lemali yesithuthi esonakalisiweyo.
Ininzi i-autos iyancipha kwixabiso njengoko ikhula. Ngenxa yoko, ngokuqhelekileyo ayinayo imali efanelekileyo ukuqinisekisa iinqwelo ezidala zomonakalo emzimbeni.
Ukuphonononga uluhlu lwakho lwabaqeshwa
Uninzi lwamashishini anamava athile kubasebenzi . Ngaloo ndlela, kufuneka ubuyekeze uluhlu lwabaqhubi bezithuthi owanikezele kwi-auto insurer yakho.
Ngaba ngabaqhubi kuluhlu lwabaqeshwa ngoku? Umshuwalense wakho unokuhlawula umlinganiselo ophezulu umqhubi wengxaki ongeke usebenzise. Ngaphezu koko, ukuthengwa kwakho kumqeshwa othile, njenge-Drive-Other Car Carverage, akunakudingeka ukuba loo msebenzi ushiye inkampani yakho kwaye ingatshintshwa.
Khangela ii-Coverage ezingenanjongo okanye eziqhekekileyo
Amashishini atshintsha ixesha. Imigaqo-nkqubo ingabandakanya ingozi engekho. Umzekelo isakhiwo osithengisile ngeenyanga ezimbalwa ezidlulileyo esacwangciselwe umgaqo-nkqubo wakho wepropati. Ezinye iifayili zingaphaya okanye ziphindaphindana. Awudingi ukuqinisekisa ama-autos aqeshwe kunye nama -autos angenawo phantsi komgaqo-nkqubo wakho wemfanelo ngokubanzi ukuba ezo zithuthi zihlanganiswe ngumgaqo-nkqubo wakho wokuthengisa . Buza i-arhente yakho ukuba uncede xa ufuna uncedo oluchonga ukugqitywa okanye ukuphindaphinda.
Ukuqwalasela nokugcina iSicwangciso soKhuseleko esifanelekileyo
Isicwangciso sokhuseleko sinokukunceda ukuphelisa izingozi ezingakhokelela kwiingozi, ukulimala kunye nokugwetywa. Nangona kunjalo, isicwangciso sokhuseleko siya kusebenza kuphela xa sinyanzeliswa rhoqo. Hlola isicwangciso sakho rhoqo ngonyaka kwaye uvavanye iziphumo zayo. Inkqubo efanelekileyo yokukhusela inokukunceda ukunciphisa ilahleko kunye nokunciphisa intlawulo yabasebenzi bakho kunye nama- premiums.
Ukuba udinga uncedo olusekwa isicwangciso sokhuseleko, qhagamshelana ne-insurer yakho. Abaninzi bango-inshurensi banikela iinkonzo zokulawula umngcipheko kubanini-nkqubo babo.
Ukuchonga abasebenzi bakho ngokuchanekileyo
Iirhafu ezihlawulelwe ukuhlawulelwa kwembuyekezo yabasebenzi ziyahlukahluka kakhulu ukusuka kwisigaba esinye ukuya kwenye. Ngaloo nto kubalulekile ukuqinisekisa ukuba abasebenzi bakho bahlelwe ngokuchanekileyo. Ngaphandle koko, unakho ukuhlawula ngaphezu kweyimfuneko ye-inshurensi. Ukuba abasebenzi bakho bezentengiso baxhatshazwa njengabasebenzi bokuvelisa, i-premium yakho ingabalulekanga.
Buza malunga namaqhinga okunciphisa i-Premium
Buza i-arhente yakho okanye umthengisi ngeengcebiso malunga nendlela yokufumana amaxabiso angaphantsi kunye nama-premium. Unokunikela ngeendlela zokunciphisa iindleko ze-inshurensi yakho. I-arhente yakho inokuphakamisa ukunyusa ama- deductibles yakho, ukutshintsha abatshutshisi okanye ukusebenzisa i- self-inshurensi .
Qinisekisa kwiNtengiso okanye kwiNkampani
Olunye urhwebo okanye imibutho yobungcali inika inkxaso yomshuwalense kumalungu ngokubambisana nenkampani yomshuwalense .
Le ngxelo ingahlawuliswa ngaphezu kwe-inshorensi oyithenga kuwe. Nangona umbutho unganikeli i-inshorensi, amalungu ayo angabelana ngeengcebiso malunga nendlela yokufumana i-inshorensi efanelekileyo ngexabiso elifanelekileyo.
Ukufumana iinguqu ezicacileyo zezeMpilo kwindawo yakho yomsebenzi
Iimbuyekezo zezempilo zezempilo kunye neempesimenti ziya kuba ziphantsi xa abasebenzi bakho bephilile. Beka umzekelo omhle kubasebenzi bakho. Ukuba ubhema, shiya. Yenza umgaqo-nkqubo wokubhema ungabikho kwinkampani yakho. Khuthaza abasebenzi bakho ukuba basebenzise ngokucwangcisa ukuhamba kwexesha lesidlo okanye iiklasi ze-yoga. Cinga ukuhlawulelwa okuyingxenye yebulungu lobungcali bezempilo njengenzuzo yomqeshwa .
Qeqesha a baSebenzi bakho
Abasebenzi badinga uqeqesho ukuqinisekisa ukuba benza imisebenzi yabo ngokufanelekileyo. Abasebenzi abaqeqeshwe kakuhle banamathuba amaninzi okugcina ukulimala emsebenzini okanye ukulimaza omnye umntu. Umshuwalense wakho unokukuvuza ngenxa yokwenza iintlobo ezithile zoqeqesho ngokunciphisa i-premium yakho. Ngokomzekelo, unokufumana isaphulelo kwi-premium yakho yokuthengisa ye-auto premium ngokutshintshana kwenkqubo yokuqhuba yokuzikhusela oyinikezelayo ngabaqhubi bakho. Buza i-insurer yakho ukuba zeziphi iintlobo zoqeqesho eziya kunciphisa iindleko ze-inshorensi yakho.